Zelle® is a fast and easy way to send and receive money with friends, family or others in minutes² between domestic bank accounts at U.S. financial institutions. Using just their U.S. mobile number, email address or tag, you can send money directly to their bank account right from yours with no fees using the Bank of America mobile app or Online Banking.

Once enrolled, you can send, request or receive money using Zelle® with any eligible Bank of America deposit account. From the Bank of America mobile app or Online Banking, go to the Pay & Transfer tab. Enter your eligible U.S. mobile phone number or email address, receive and enter a one-time verification code, accept the terms and conditions, and you're ready to start sending and receiving money with Zelle®.

If you were expecting to receive an authorization code via email, make sure you entered your email address correctly, check your spam folder and make sure you’re not blocking emails from onlinebanking@ealerts.bankofamerica.com.

If you were expecting to receive an authorization code via text and didn’t, make sure you: used a U.S. mobile number, you entered it correctly, and check with your mobile carrier that the short codes 739-81 and 992-17 is enabled. Voice over IP (VOIP), landlines and Google voice numbers are not eligible for Zelle® enrollment.

Please note that we will never call you to provide you with (or ask you for) an authorization code by phone. If you received a phone call telling you you’ve received a code, it is very likely a scammer trying to obtain access to your account. Learn more about account security and how to protect yourself from scams.

There’s no fee to send or receive money with Zelle® using our mobile app or Online Banking. View your Deposit Agreement and Personal Schedule of Fees for general information on fees related to your deposit accounts.

You can only enroll authenticated U.S. (or U.S. territory) mobile numbers that belong to you. Voice over IP (VOIP), landlines, Google Voice numbers, 1-800 numbers and international numbers are not eligible for Zelle® enrollment.

You can use Zelle® with multiple banks, but you must have a different U.S. mobile number or email address linked to each account you enroll with Zelle®. If you try to use the same U.S. mobile number or email address to enroll with Zelle® at multiple banks, you’ll receive an error message.

In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

Yes. While you can enroll, send, receive and view your Zelle® activity in both Online Banking and our mobile app, the app allows you to access more advanced features like request money from one or more recipients, send money by scanning someone else’s QR code or receive money using your QR code and customize Zelle® access using the mobile widget.

In your recipient list, you’ll see Zelle® recipients and recipients you’ve previously set up using their Bank of America account. The purple Z logo on your recipient indicates they’re a Zelle® recipient enrolled with an U.S. mobile number, email address or tag. A Bank of America logo on your recipient indicates that you’ve set up the recipient with their Bank of America account, and any payments you choose to send to this recipient will be sent as an internal transfers instead of Zelle®.

Consumer clients can send money to small businesses enrolled with a Zelle® tag. Currently, consumers are not able to create a tag.

To send money with Zelle®, if you know that your recipient is enrolled with Zelle®, ask them to confirm the U.S. mobile number, email address or tag they want to receive money. Then, to send money:

• Log in to the mobile app or Online Banking and find Pay & Transfer
• Choose Zelle® and select Pay
• Choose who you want to pay from your contacts or search for a recipient in the Add/search name, tag, contact field
• You can send one-time immediate, one-time future-dated, or recurring payments. To set up a recurring payment series with Zelle®, select the Make payment recurring toggle. You can also use the calendar function on the Choose a payment date screen to schedule a one-time future-dated payment
• Before you send the payment, check the first/last or business name in the Enrolled with Zelle® as field to verify your recipient is correct

You can also send money with Zelle® by asking Erica® in the How can we help? section of the mobile app or with the mobile widget.

Once you send money, both you and your recipient will be notified. Send money now

The easiest way to add a new recipient is while you’re sending them money.

• Log in to the mobile app or Online Banking and find Pay & Transfer
• Choose Zelle® and select Pay
• Choose who you want to pay from your contacts or search for a recipient in the Add/search name, tag, contact field
• Before you send the payment, check the first/last or business name in the Enrolled with Zelle® as field to verify your recipient is correct

Yes. For your security, your ability to send money using Zelle® is subject to daily, weekly and monthly limits on the dollar amount and frequency of Zelle® transfers, which may be measured on either a rolling basis or calendar basis. A rolling basis means your limit is determined over the preceding time period (e.g., 24 hours, 7 days, or 30 days). A calendar basis means the limit resets at midnight ET for each calendar day, week, and month. There may be additional restrictions based on your Zelle® history and/or your recipient. Read more about Zelle® limits

To receive money with Zelle®, you’ll need to enroll your U.S. mobile number or email address (the sender needs to use the specific U.S. mobile number or email address that you enrolled). Note that only U.S. mobile numbers are eligible. Voice over IP (VOIP), landlines and Google voice numbers are not eligible for Zelle® enrollment.

Not a Bank of America customer? You can still receive money using Zelle®. Visit the Zelle® enrollment page and follow the instructions.

View our guided demo for more information on enrollment.

If you’re enrolled with Zelle®: In addition to receiving an email or text from Bank of America alerting you that you’ve received money, you can view incoming and outgoing Zelle® payments in your Zelle® Activity.

If you're not enrolled with Zelle®: You’ll receive an email or text from Zelle® with instructions on how to enroll to receive your money.

To send money using a QR code, tap the QR code icon next to Pay and Request to open your device’s camera. Scan your recipient’s QR code to easily get the contact information without having to manually enter it. From Pay or Request, select My QR Code and then select your preferred contact method.

To receive money with your Zelle® QR code, print or share your QR code. Find it by logging in to the mobile app, tapping Pay & Transfer, then Zelle®, tap on the QR Code icon next to Pay and Request. Select My QR Code and then your preferred contact method. ​

If your recipient is enrolled with Zelle®, money is typically available within minutes. However, there are circumstances when the payment may take longer. For example, if your recipient isn’t enrolled, they will need to enroll to receive their money. Once they enroll, money is typically available in their account in minutes. Note that once you initiate your payment, money will be deducted from your available balance and placed on hold until the recipient enrolls. If your recipient does not enroll within 14 days of when the money is sent, the money is released back to your account, and the transaction is cancelled.

See the Why is my outgoing Zelle® payment pending? question for more information.

This feature is only available in the mobile app. You can request money from one or more recipients in the mobile app by navigating to Request within Zelle®. To split the bill, add up to 10 recipients to the request by selecting Add Recipient⁴. The request will automatically split the total amount, and you have the option to include your portion in the calculation or change the amounts for each recipient.

Outstanding payment requests that you’ve sent can be canceled and will automatically expire after 14 days. Outstanding payment requests will be visible in Payment Activity under Action Needed, while expired, completed, or canceled payment requests will be visible under History.

Sending money with Zelle® typically occurs in minutes. However, there are cases where the payment may not be immediate. See the Why is my outgoing Zelle® payment pending? question for more information.

If the payment has been sent but your recipient has still not received the money, verify that the U.S. mobile number, email address or tag you used to send money matches your recipient’s U.S. mobile number, email address or tag with Zelle®. You can only cancel pending payments to recipients not yet enrolled with Zelle®. Any Zelle® payment already sent to a registered recipient cannot be canceled.

You can see incoming and outgoing Zelle® payments (both pending and completed) in Activity. You can also ask Erica® on our mobile app to view your Zelle® activity. To view older transactions, check your account details.

In some cases, Bank of America may place an incoming Zelle® payment on hold for further review. While these reviews are happening, the hold cannot be removed. Check your alerts in Message Center to see if action is required. Once a decision has been made, the payment will complete automatically or it will fail, and the money will be deposited into your account or back into the sender's account, as applicable.

Sending money with Zelle® typically occurs in minutes. However, there are circumstances when the payment may take longer.

Payment status is Pending acceptance: If your recipient has not enrolled with Zelle®⁴ they must enroll using the same email address or U.S. mobile number where you sent money. Once they enroll, the payment will be processed normally. You can cancel the payment while the payment is in pending status, and the payment will automatically be canceled if the recipient doesn’t enroll after 14 days.

Payment status is Pending review: In some cases, Bank of America may place a payment on hold for further review. While these reviews are happening, the payment cannot be canceled. Check your alerts in Message Center to see if action is required. Once a decision has been made, the payment will complete automatically or will fail, and the money will be deposited back in your account or the sender’s account.

Payment status is Paid: In some cases, your recipient’s financial institution may cause a payment to be delayed. The payment cannot be canceled while it’s processing. Your recipient can reach out to their financial institution for a status update.​

Your payment may fail and/or your scheduled payments may be canceled for these reasons:

• The payment account is closed, doesn’t have available funds or is ineligible to use Zelle®
• The recipient is deleted or has an invalid account number, email address or mobile number​
• Security reasons or your payment otherwise can’t be processed​
• The applicable daily, weekly, or monthly transfer ($ or frequency) limit exceeded

No, Zelle® payments cannot be reversed. You can only cancel pending payments to recipients not yet enrolled with Zelle®. You can see incoming and outgoing Zelle® payments (both pending and completed) in Payment Activity. Any Zelle® payment already sent to a registered recipient cannot be canceled.

Any Zelle® payment already sent to a registered recipient cannot be canceled. Make sure you check your recipient’s contact information before you send money by looking for the registered recipient’s first/last or business name in the Enrolled with Zelle® as field. Treat Zelle® payments like cash — once you send the money, you’re unlikely to get it back.

As of March 31, 2025, all users must be enrolled through one of the more than 2,300 banks and credit unions that offer Zelle® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle® at Zelle.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

Yes, you can use Zelle® to set up a one-time future dated payment or recurring payment series. As you’re scheduling the Zelle® payment, select the Make payment recurring toggle to set up recurring payments. Or, use the calendar function on the Choose a payment date screen to schedule a one-time payment for a future date.


See the How do I send money with Zelle®? question for more information.

You can edit or cancel a one-time future dated payment or recurring payment series any time until 11:59 p.m. ET the day before its scheduled payment date by going to Payment Activity under Scheduled. You can cancel a single payment within a recurring payment series or cancel the entire series. However, you can’t edit a single payment within a series.

Find your upcoming payments in the Scheduled section within Payment Activity in Online Banking or the mobile app. On the day of the scheduled payment, it will move to Processing, then to History once it’s complete.

We’ll email you at your primary email address for communications related to scheduled payments. You’ll receive email confirmations when you schedule a payment or recurring payment series, reminders about upcoming payments, and notifications if a payment fails or is canceled. Make sure your contact information kept up to date including your primary email address. To review or update your info, go to Contact Info in Settings. You can manage certain payment reminders in Alert Settings.

You’ll see “Zelle® Scheduled payment” or “Zelle® Recurring payment” on your statement to differentiate from one-time immediate payments.

When you enroll your email address or U.S. mobile number with Zelle®, you must link an eligible deposit account that will be used to receive money. You can change this account at any time in your Zelle® settings. If you want to receive money using multiple deposit accounts, you can register up to 5 different email addresses or U.S. mobile numbers and link each one to a different deposit account.

You can send money using Zelle® from any eligible deposit account. When you send a payment, you’ll be able to select the deposit account. The deposit account you choose will become the default the next time you make a payment, but you have the option to change it each time.

When you enroll a U.S. mobile number or email address with Zelle®, you’ll automatically receive alerts to the contact information you’ve registered. You can change your alert settings, including the primary contact where alerts are delivered, by going to Contact Info in Settings on your mobile app or by selecting Alerts in the Accounts section in Online Banking.

If you no longer wish to send, receive or request money with Zelle®, delete all your U.S. mobile numbers, email addresses or tags in Zelle® settings so they can’t be used. You won’t be able to use Zelle® again unless you register a U.S. mobile number, email address or tag.​

Neither Bank of America nor Zelle® offer purchase protection for payments made with Zelle®. Treat Zelle® payments like cash, once you send the money, you’re unlikely to get it back. For example, if you don’t receive the item you paid for using Zelle® or the item you received is not as described, you’re unlikely to get your money back.

When you use Zelle®, your recipients won’t see your account number, and you won’t see theirs. Your recipient will only see your name or business name and U.S. mobile number, email address, or tag enrolled with Zelle®.

Visit our Security Center to learn more about account security.

Visit our Security Center to learn more about scams.

We’ll never call and ask you to send money using Zelle® to yourself or anyone, nor will we contact you via phone or text to ask for a security code. If someone unfamiliar to you does this, it's likely a scam.

Visit our Security Center to learn more about scams. Qualifying imposter scams may be eligible for reimbursement.

Keeping your money and information secure is a top priority for Bank of America. When you use Zelle® within our online banking or mobile app, your information is protected with the same technology we use to keep your Bank of America account secure.